HDFC Bank MoneyBack Credit Card
HDFC Bank · Closed to new applicants
HDFC's older cashback-style points card, closed to new applicants. It earns 2 reward points per ₹200 (double online), a ₹500 voucher each quarter on ₹50,000 and points worth 15 paise as statement credit, for ₹500 a year waived at ₹50,000.
- Annual fee
- ₹500 + GST a year
- Joining fee
- ₹500 + GST
- Fee waiver
- Annual fee waived on ₹50,000 spend per card year
- Base rate
- Retail spends: 2 Reward Points per ₹200 (about 0.15% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 23 Oct 2026
Main earn rates
- SmartBuy at IGP, Jockey and PharmEasy, 10% CashBack: 10% in SmartBuy CashBack on top of the base rate (about 10% at cash value)
- SmartBuy flights and hotels, 5% CashBack on top of the base: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
- SmartBuy at Myntra, Nykaa, redBus, Zoomcar, Apple (Imagine Tresor) and MakeMyTrip holiday packages, 5% CashBack: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
- SmartBuy instant brand vouchers, 5% CashBack: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
- SmartBuy ConfirmTkt train tickets, 1% CashBack: 1% in SmartBuy CashBack on top of the base rate (about 1% at cash value)
Earns nothing on
- No points on rent and property management, or on government payments (from 1 January 2023)
- No points on wallet loads
- No points on EasyEMI; points are reversed if a purchase is converted to SmartEMI
- No points on online skill-based gaming (from 1 July 2025)
- No points on education fees paid through third-party apps (from 1 September 2024)
Where the sources disagree
- reward rate denominator: The page header says "2X Reward Points on every ₹200 spent online"; an FAQ on the same page says 2 points per ₹150. HDFC's notice of 15 May 2026 sets MoneyBack at 2 points per ₹200. The notice is used from 15 May 2026 and the FAQ rate before it.
- cashback redemption cap and value: The page says cashback redemptions are capped at 3,000 points a month from 1 February 2023 and an FAQ says 100 points = ₹20. MITC v4.15 caps cashback redemption at 50,000 points a month for cards other than Millennia, Easy EMI Millennia, Bharat, PharmEasy and Paytm, and sets 15 paise a point from 1 November 2025. The MITC is used.
- interest rate: The fees FAQ says 3.6% a month. MITC v4.15 gives 3.75% for all variants other than the 1.99% cards. The MITC is used.
Terms the calculator does not value
- The page header caps the online 2X extra points at 500 a statement cycle from 15 July 2020, while an FAQ on the same page says 500 a month. The statement-cycle cap is entered.
- Airmile conversion is 0.25 airmile per point but the partner programmes are not named, so no transfer option is entered.
- SmartBuy cashback applies only to purchases made through the SmartBuy portal. This card is not named in the SmartBuy table, so it is placed in the "Other credit card (CashBack)" column (5% or 10% on listed categories and merchants, ₹1,000 a month), as for HDFC's other unnamed cards. The table is valid till 31 March 2027.
Sources
- MoneyBack credit card product page (Product page, the bank's own, read 20 Oct 2026)
- MoneyBack credit card fees and charges page (FAQ, the bank's own, read 20 Oct 2026)
- HDFC Bank credit cards Most Important Terms and Conditions (Key Fact Statement), version 4.15, updated 17 October 2026 (Most important terms (MITC), the bank's own, read 20 Oct 2026)
- HDFC Bank notice "Updates on your credit card rewards, fees & charges", effective 15 May 2026 (generic mailer linked from the product page) (Bank notice, the bank's own, read 20 Oct 2026)
- SmartBuy accelerated earn rules (valid till 31 March 2027) (Reward terms, the bank's own, read 20 Oct 2026)